This institution is no longer active

Operations ceased on March 23, 2012. CRA examination history below reflects the period it was active.

COVENANT BANK & TRUST

ROCK SPRING, GA · Supervised by FDIC

Est. 2006FDIC #58,068RSSD: FDIC-58068

Satisfactory

Current rating · Exam: March 2012

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Institution Profile

FDIC BankFind

Address

122 Highway 95, ROCK SPRING, GA

County

Walker County

Established

June 12, 2006

Total Assets

$96M(latest call report)

Financial Snapshot

As of Q4 2011Call Report / FDIC

Total Assets

$96M

Total Deposits

$91M

Net Loans

$68M

Net Income

$-2,434K

ROA

-2.37%

ROE

-68.62%

Risk-Based Capital

3.01%

Total Assets — Last 8 Quarters

Total AssetsROA

Current Examination

CRA / FFIEC

Overall Rating

Satisfactory

Exam Date

March 1, 2012

Exam Type

Small Bank

Regulator

FDIC

Rating History

CRA / FFIEC

1 previous rating locked — dating back to 2009

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Rating Over Time

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OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

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